Правова природа правовідносин у сфері страхування: адміністративно-правовий аспект

Abstract

На підставі теоретико-правового аналізу наукових досліджень, чинного законодавства розглянуто правову природу страхування, яка обумовлена трьома ключовими підходами – економічним, матеріальним і правовим. Указано, що страхування – комплексний правовий інститут, до якого входять норми конституційного, цивільного, фінансового, адміністративного, трудового права, права соціального забезпечення, а правовідносини, що виникають із приводу страхування, мають публічно-правовий і приватноправовий характер. On the basis of the systematic theoretical and legal analysis of scientifc researches and the current legislation the legal nature of insurance which is caused by three key approaches – economic, material and legal is investigated. The economic essence of insurance is expressed through the category of monetary funds needed to cover unforeseen needs of society; the material nature of insurance is disclosed through the category of monetary funds, which are used to compensate for damage caused by natural disasters and unforeseen circumstances; the legal content of insurance is manifested through a set of rules governing economic relations related to the protection of the legitimate interests of individuals and legal entities, public entities. It is noted that insurance has all the main functions of the category of fnance in fnancial law but in certain specifc manifestations. It is stated that insurance is a complex legal institution, which includes the rules of constitutional, civil, fnancial, administrative, labor law, social security law, and legal relations arising in connection with insurance, which are public and private law. Imperative norms of the feld of fnancial law have priority in the regulation of public relations, formed in the organization of insurance, implementation of compulsory insurance, licensing of insurance entities, ensuring fnancial stability and solvency of insurers, on the reorganization of insurance companies, in the National Bank Ukraine's regulatory powers in the areas of insurance control and insurance supervision.